We know that investing in a healthy, confident smile is an important decision, and we’re here to make the financial process as smooth and stress-free as possible. With flexible payment options, transparent pricing, and a commitment to helping families, we’ll work with you to find a plan that fits your budget.
Common questions about insurance and paying for orthodontics
The following are some of the most common questions from around the internet about orthodontics costs and insurance.
Q: How much do braces cost without insurance?
A: It varies depending upon treatment time and other factors, but you can expect $6000 to $8000.
Q: How much are children’s braces?
A: Children’s braces cost about the same as adults’ ($6000 to $8000).
Q: Can you pay for orthodontics with an HSA or FSA?
A: Yes!
Q: How do you pay for braces?
A: Many insurance plans cover at least part of the cost of braces or Invisalign, and orthodontic treatments are also HSA- and FSA-eligible. As for the portion that comes out of pocket, we offer a few payment plan options to make the cost more manageable than a lump sum.
Q: Is teeth-straightening covered by insurance? Will Delta Dental cover braces? Does Aetna cover orthodontics for adults? Does Cigna cover braces for adults?
A: These all have the same answer! Many policies cover a portion, with 50% being the most common. It’s best to check with your insurance company about your specific policy. We’ll be happy to help you with this.
Insurance made simple
Navigating insurance can feel complicated, but we’re here to help. Decatur Orthodontics accepts a wide range of PPO insurance plans,* and our experienced team will guide you through the process. Our goal is to maximize your benefits and minimize out-of-pocket costs, so you can focus on your family’s smile journey without added stress.
Here’s what we offer to make your insurance experience easy:
Insurance verification: We’ll verify your insurance benefits up front, so you’ll know exactly what to expect.*
Clear communication: If you have any questions about coverage, our human team is always here to explain your benefits in-person and in simple terms. No unending automated phone system here!
Insurance Verification
Clear Communication
*Although we accept most PPO plans with out of network benefits, insurance is not a guarantee of coverage.
In addition to working with most major insurance plans, we offer flexible, in-house financing options to make orthodontic treatment more accessible. With flexible terms and interest-free options, we’re committed to helping you afford the care your family deserves. We offer:
Interest-free payment plans: Spread out the cost over the duration of treatment without additional fees.
Flexible down payments: We offer options to adjust the initial payment, so you can start treatment with confidence.
Custom payment plans: We can adjust your down payment and monthly payment in relation to one another to find a combination that works best for you and your family.
Interest-free payment plans
Flexible down payments
Custom payment plans
Other ways to pay
At Decatur Orthodontics, we believe in making orthodontic care accessible and stress-free. That’s why we accept all major credit cards and offer a variety of additional payment methods to suit your needs.
Health savings accounts (HSAs): If you have a health savings account, you can use these pre-tax funds toward your orthodontic treatment. HSAs are a smart way to cover healthcare expenses while saving on taxes.
Flexible spending accounts (FSAs): Most orthodontic treatments are also eligible for coverage with FSA accounts. Like HSAs, this pre-tax account helps lower your overall cost.
Health savings accounts (HSAs)
Flexible spending accounts (FSAs)
Investing in a lifetime of smiles
Orthodontic treatment is more than just a cosmetic choice—it’s an investment in lifelong health and confidence. With proper alignment, you or your child can enjoy a healthier bite, easier oral hygiene, and a smile that to feel proud of for years to come. At Decatur Orthodontics, we’re dedicated to helping families like yours access this transformative care with affordable options and personalized support.
We know that dental insurance and financing are things #101 and #102 on your to-do list for this week, but our team is here to help. Whether you’re wondering about insurance coverage, payment plans, or treatment options, we’re happy to answer your questions with kindness and clarity. At Decatur Orthodontics, you’re never alone on your smile journey.
